A TOMORROW THAT CHANGES JUST YOUR APPEARANCE, NOT YOUR LIFESTYLE.

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1 This advertisement is designed for combination of benefits of two or more individual and separate products named (1) ICICI Pru Savings Suraksha and (2) ICICI Pru Immediate Annuity. The customer has the choice of purchasing any one or more products as per his/her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. The customer is expected to ask questions, understand and satisfy himself that this combination meets his/her specific needs better before deciding to purchase this combination. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of the individual products mentioned herein. A TOMORROW THAT CHANGES JUST YOUR APPEARANCE, NOT YOUR LIFESTYLE. Presenting Pay ` 50,000 p.a. for 10 years. Get a lifetime regular income of ` 74,791 p.a. for you & your spouse. Regular income you could get from year 21 onward would be: ` 74,791 p.a. at an assumed rate of return of 8% p.a. ` 46,223 p.a. at an assumed rate of return of 4% p.a. Enjoy a life cover to protect your family. This solution is a combination of ICICI Pru Savings Suraksha (a non-linked, participating, savings and protection oriented insurance plan; UIN: 105N135V01) and ICICI Pru Immediate Annuity (a non-linked, non-participating insurance plan; UIN: 105N009V06). These products are also available without this combination solution and it s not mandatory to apply for this combination only. *Regular lifetime income of ` 74,791 is arrived assuming an annual Rate of return of 8%. At an assumed rate of return of 4%, the customer will receive lifetime regular income of ` 46,223.

2 ICICI Prudential Life Income Solution You work hard to achieve financial independence and a comfortable lifestyle and you would want to maintain the same lifestyle post retirement. Whether it is your regular expenses, enjoyment with family and friends, pursuing a hobby or globetrotting - you'll need steady flow of disposable income every year. Keeping this in mind, we have designed ICICI Prudential Life Income Solution an ideal solution which provides regular income to you and your spouse for whole life while leaving a corpus for your child. ICICI Prudential Life Income Solution offers the following benefits: Income Avail the option to enjoy regular income for you and your spouse for whole of life Build a desired corpus for future Savings Get life cover during your earning years & leave a lump sum for your child Legacy This solution is a combination of ICICI Pru Savings Suraksha (a non linked insurance plan; UIN: 105N135V01) and ICICI Pru Immediate Annuity plan (a non linked insurance plan; UIN: 105N009V06).

3 In this solution you purchase an ICICI Pru Savings Suraksha policy at inception and you have the option to purchase an immediate annuity plan on maturity of this policy. Currently, we are offering ICICI Pru Immediate Annuity. This solution works in two phases: Investment Phase In this phase, you will purchase an ICICI Pru Savings Suraksha. Premiums payable (exclusive of taxes) Year 1 to 10 ` 50,000 p.a. Mr. A starts investing ` 50,000 annually in ICICI Prudential Life Income Solution with a Sum assured of ` 5 Lakh Premium payment - 10 years Policy term - 20 years Age 30 Pay premium of ` 50,000 p.a. for 10 years Age 40 Maturity benefit 1 to be paid after 20 years Age 8% ARR* ` 4% ARR* *ARR stands for assumed rate of return.

4 Income Phase In this phase, you have the option to use the maturity payout of ICICI Pru Savings Suraksha to purchase ICICI Pru Immediate Annuity. You can opt for "Joint Life, Last Survivor with Return of Purchase Price" annuity option which provides you the benefits illustrated below as per the current annuity rates. Assumed rate of return Maturity benefit of ICICI Pru Savings Suraksha to be used to purchase ICICI Pru Immediate Annuity Annual income 2 from 21 year Lump sum payout to nominee on death of the last surviving partner 8% ` 74,791 4% ` 7,18,007 ` 46,223 ` 7,18,007 Lump sum premium of Age 50 Income of ` 74,791 p.a. for you and spouse Death of policyholder Income of ` 74,791 p.a. will continue for your spouse Death of spouse Nominee gets lump sum of

5 Solution benefit illustration Premiums payable (exclusive of taxes) Year 1 to 10 ` 50,000 p.a. Assumed rate of return Maturity benefit at the end if year 20 Annual income from year 21 Lump sum payout to nominee on death of the last surviving partner 8% ` 74,791 4% ` 7,18,007 ` 46,223 ` 7,18,007 1 If your policy offers guaranteed returns, then these will be clearly marked guaranteed in the Benefit Illustration. Since your policy offers variable returns, the given illustration shows two different rates of assumed future investment returns The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of your policy depends on a number of factors including future investment performance. 2 The regular income for life is calculated assuming that you utilize the entire maturity benefit amount of your ICICI Pru Savings Suraksha policy as Purchase Price of ICICI Pru Immediate Annuity policy. 3 The annuity amount is calculated as per the annuity rate applicable as on October 5, The annuity amounts are calculated assuming your and your spouse s current age to be 30 years and 25 years respectively. Annuity rates are subject to change from time to time. Your actual annuity amount will depend on the prevailing annuity rates at the time of purchase of ICICI Pru Immediate Annuity plan. Tax benefits on premiums paid and benefits received will be applicable as per the prevailing tax laws. The annuity option assumed is Joint Life Last Survivor with Return of Purchase Price and annuity periodicity to be Yearly. For the purpose of illustration, we have combined the premiums payable and benefits that you may receive under each plan of this solution. These products are also available without combination. To know the details of this solution, please go through the Terms and conditions mentioned in the Customer Declaration section and benefit illustration of individual products. To know the details of each plan of this combination solution, please go through the benefit illustration of individual products.

6 ICICI Pru Life Income Solution at a glance Premium Payment Term 5 Pay 7 Pay 10 Pay PPT = Policy term Minimum Annual premium ` 50,000 ` 30,000 ` 30,000 ` 30,000 Premium Payment Term 5 Years 7 Years 10 Years (45 - Policy term) Policy Term allowed 10 to 30 Years 12 to 30 Years 15 to 30 Years 10 to 30 Years Maximum Annual premium Unlimited Minimum Age at Entry (45 - Policy term) Maximum Age at Entry 54 Years Minimum Age at Maturity 45 Years Maximum Age at Maturity 70 Years Minimum/Maximum Sum assured multiple at death 10 times of annual premium Premium payment frequency Yearly / Half-yearly / Monthly

7 Terms and conditions 1 This combination solution comprises a set of policies across one or more products of the company. These products are also available individually with the Company and it is not mandatory to apply for this combination only. Please go through the individual benefit illustrations of the product that you have to purchase at inception of the solution. 2 This is not a product brochure. Please go through the product brochure of ICICI Pru Savings Suraksha (UIN: 105N135V01) and ICICI Pru Immediate Annuity (UIN: 105N009V06) for understanding the risk factors, product terms and conditions as briefly indicated below a. ICICI Pru Savings Suraksha: Premium payment term, reversionary bonus, terminal bonus, death benefit, maturity benefit, premium discontinuance, policy revival and surrender etc. b. ICICI Pru Immediate Annuity: Annuity options, Purchase price etc. 3 The individual products under this solution have certain product features like Annuity options, Maturity Benefit etc. which offer options beyond the ones assumed in the benefit illustrations shown here. Your choice with respect to these will not be restricted to what has been shown here and you will be able to choose from all the options available at the time of purchase of the respective products. 4 For ICICI Pru Savings Suraksha, as per the Finance Act 2012, all policies issued from April 1, 2012, with premium to sum assured ratio of less than 1:10 and where death benefit at any time is less than 10 times premium, will not be eligible for tax benefit under section 10 (10D) of the Income Tax Act. Further tax benefit u/s 80C for such policy will be limited only up to 10% of Sum Assured. Tax benefits under the policy are subject to conditions under Sec.10 (10D) and Sec. 80C of the Income Tax Act, For the purpose of illustrations, we have assumed 8% and 4% as the rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy depends on a number of factors including future investment performance. 6 The regular income benefit through ICICI Pru Immediate Annuity (UIN: 105N009V06) plan will be applicable subject to the following conditions. It is your sole responsibility to utilize the maturity benefit of ICICI Pru Savings Suraksha to purchase ICICI Pru Immediate Annuity subject to the availability of the plan at that point of time. Annuity rates are subject to change from time to time. Your actual annuity amount will depend on the prevailing annuity rates at the time of purchase of ICICI Pru Immediate Annuity plan. You have the flexibility to choose any of the annuity options offered by ICICI Prudential at the time of your vesting. 7 It is not mandatory to purchase ICICI Pru Immediate Annuity or a similar product with the maturity benefit of ICICI Pru Savings Suraksha, if you do not wish to get the regular income benefit. 8 The benefits available under this solution shall be as per the product policy terms and conditions. 9 Service Tax and education cess as per applicable rates will be charged over and above the policy premiums. The tax laws are subject to amendments from time to time.

8 2015, ICICI Prudential Life Insurance Company Limited. IRDAI Regn No CIN: U66010MH2000PLC Registered Address: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai Reg. No.: 105. Insurance is the subject matter of the solicitation. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Trade Logo displayed above belongs to M/s ICICI Bank Ltd & Prudential IP services Ltd which shall be used by ICICI Prudential Life Insurance Company Ltd under Registered License No.105. Call us on (10am-7pm, Monday to Saturday, except national holidays. Valid only for calls made from India). visit us at ICICI Pru Savings Suraksha UIN: 105N135V01, ICICI Pru Immediate Annuity UIN: 105N009V06. Advt: L/II/1224/ BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI clarifies to public that: IRDAI or Its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.